• Welcome to Scottish Widows Adviser Site

    This site is designed and intended for UK authorised and regulated financial advisers and intermediaries only.

    If you are not a financial adviser or intermediary, please visit our personal site

    Continue to our website

    TechTalk

    Expert commentary and analysis on market developments. Plus guidance on identifying planning opportunities.

    In this techtalk

    See how your business could benefit as our Financial Planning team
    looks at a range of topics on retirement planning and protection.

    Techtalk

    COLLECTIVE DEFINED CONTRIBUTION

    We explain the features, advantages and disadvantages of this third alternative to fully defined benefit or fully defined contribution pension provision.

    BUDDYING UP – BLOCK TRANSFERS, PROTECTED TAX-FREE CASH & EARLY RETIREMENT AGES

    The rules for both types of block transfer – buddy transfers and transfers to s32 plans on scheme wind-up – plus the related opportunities.

    Read now (PDF)

    DB SCHEMES – BENEFITS & TAX TREATMENT EXPLAINED

    We explain scheme pensions, tax-free cash and death benefits – and their tax treatment – as provided by DB schemes.

    Read now (PDF)

    CREATING TRANSPARENCY – DEMYSTIFYING THE UNDERWRITING OF DIABETES

    We continue to demystify protection underwriting by explaining our approach to diabetes disclosures.

    Read now (PDF)

    SCOTTISH INCOME TAX AND PENSIONS

    A summary of the different treatment of Scottish taxpayers under the relief-at-source pension tax relief system.

    Read now (PDF)

    TAX RELIEF – YOUR QUESTIONS ANSWERED

    A summary of recently asked questions on pension tax relief.

    Read now (PDF)

    ACTING IN THE CUSTOMER’S BEST INTERESTS

    The Insurance Distribution Directive requires advisers to act in the best interests of customers. This article reflects on how the protection advice process needs to change emphasis in order to deliver on this requirement.

    Read now (PDF)

    Download TechTalk (PDF)

    EXPERT INSIGHT DIRECT TO YOUR INBOX

    You can sign up to receive TechTalk direct to your inbox by clicking the link below.

    Subscribe now

    Get more expertise

    TechTalk Index

    Look through past articles for expertise.

    Visit index

    FundsTalk

    Look at our lastest thinking and analysis on funds.

    See FundsTalk

    Professional development

    Take advantage of our masterclass videos.

    Take a Masterclass